Public comment now open for LNG facility on Vancouver Island

first_imgVANCOUVER B.C. – The Canadian Environmental Assessment Agency has to decide if a Federal Environmental Assessment is required for the proposed Kwispaa LNG facility.The project is being developed north of Bamfield on Vancouver Island.  The Federal Environmental Assessment agency is now seeking public input to help make this decision.This project would convert natural gas to LNG for export which would produce 24 million tons of LNG for at least 25 years. The Canadian Environmental Assessment Agency (CEAA) is looking for the public and indigenous groups comments in regards to the project and the potential effects on the environment by welcoming written feedback to be sent by letter or email.All comments must be submitted by November 18, 2018, and are considered public.  The CEAA will post on their website their decision. If an environmental assessment is required the public will have three more opportunities to comment.Please direct your comments to the following;Kwispaa LNG ProjectCanadian Environmental Assessment Agency410-701 West Georgia StreetVancouver, British Columbia V7Y 1C6Telephone: 604-666-2431Email: CEAA.Kwispaa.ACEE@canada.calast_img read more

United Airlines expands Reno to Houston nonstop flights

RENO, Nev. — United Airlines and the Reno-Tahoe International Airport have announced they will expand nonstop flights between Reno and Houston.The Reno Gazette-Journal reports both said Friday the nonstop flights will be expanded into a daily, year-round service.Officials say the expansion is a big win for an airport that saw a reduction in flights during the recession as its passenger numbers plummeted. The expanded Houston route also is seen by the airport as an important connection to destinations such as the eastern U.S., Mexico, South America and the Caribbean.Reno-Tahoe Airport Authority president and CEO Marily Mora says United’s new daily, year-round service is due to strong customer demand for non-stop service to the nation’s fourth-largest city.United Airlines is based in Chicago.___Information from: Reno Gazette-Journal, http://www.rgj.comThe Associated Press read more

Baby boomers fuelling sales of luxury homes in big Canadian cities

TORONTO — Baby boomers continue to drive sales in the luxury real estate market, upsizing their homes while also helping their Gen-Y offspring with home purchases, according to a new report.[np_storybar title=”Toronto detached housing prices soar well past $1 million in seller’s market” link=”https://business.financialpost.com/personal-finance/mortgages-real-estate/toronto-detached-housing-prices-soar-well-past-1-million-in-sellers-market”%5D It’s not even close anymore, Canada’s largest housing market is clearly in sellers’ territory, the Toronto Real Estate Board said Tuesday.The Greater Toronto Area had 8,940 sales in March, an 11% increase from a year ago. The average sale price of all housing types across the GTA reached $613,933 while the average price of detached homes in the city of Toronto rose 15.9% from a year ago to $1,042,405.Continue reading. [/np_storybar]The study by Sotheby’s International Realty Canada, which involved interviews with leading realtors in specific markets, examined generational differences between buyers of luxury real estate in Toronto, Vancouver, Calgary and Montreal.It says when looking for top-tier real estate, baby boomers born between 1946 and 1964 gravitate towards traditionally prestigious neighbourhoods such as Toronto’s Forest Hill and Vancouver’s Kerrisdale.Meanwhile, family-driven buyers from Generation X, the generation born right after the baby boomers, tend to prioritize neighbourhoods with high-quality schools in vibrant communities.When looking for high-end homes, homebuyers from Generation Y, also referred to as Millennials, tend to prioritize trendy, urban neighbourhoods with high walkability scores.The average price for a Vancouver detached home just hit a new record: $1.4 millionAdventures in Mortgageland: Three Canadian tales of the house-buy in the modern ageSotheby’s president and CEO Ross McCredie says he was surprised to discover how much baby boomer parents are helping their Gen-Y kids with home purchases.Not only are parents chipping in financially, they also tend to be heavily involved in the process.McCredie says he was also surprised to discover how important transit is to Gen-Y homebuyers, even in the high-end real estate segment.“They’re focused on transit in a big way,” McCredie said. “Even though they might be buying a $1.5-million condo, a lot of them have no interest in buying a car.”Meanwhile, many baby boomers — who were widely expected to downsize in retirement and snatch up condos in droves — are choosing instead to upsize, the report found.“People in their late 60s who have obviously done well for a variety of different reasons are choosing to sell whatever home they’re in today and actually buy an even bigger and more expensive home, typically in the same neighbourhood that they live in,” McCredie said. read more

Tembecs largest shareholder opposes takeover by Rayonier Advanced Materials

MONTREAL – Tembec’s largest shareholder says it will vote against the sale of the forestry company to Rayonier Advanced Materials unless the offer price is raised.In an open letter to shareholders sent Friday, Oaktree Capital Management says Tembec’s shareholders are not receiving a fair value.Tembec shareholders (TSX:TMB) are being offered C$4.05 in cash or 0.2302 of a share in Rayonier Advanced Materials, subject to a cap on the total amount of cash and shares that will be issued.The friendly offer is 37 per cent above where Tembec’s shares traded before the offer, however it lags the $4.21 the shares traded for Friday on the Toronto Stock Exchange.Oaktree holds a 19.9 per cent stake in Tembec.Patrick McCaney, Oaktree’s managing director and portfolio manager, says if the offer is not raised, Tembec (TSX:TMB) shareholders would be better off to remain independent.He adds that Florida-based Rayonier is the big winner because it faces a challenging future unless it is able to add Tembec to reposition its business away from the declining acetate market.Tembec declined to comment while Rayonier couldn’t be reached for comment.Meanwhile, proxy advisory firm Institutional Shareholder Services recommended Friday that Tembec shareholder approve the deal at a vote on July 27. It says the deal has “sound strategic rationale” and gives shareholders the flexibility of receiving cash or Rayonier shares. by The Canadian Press Posted Jul 14, 2017 2:06 pm MDT Last Updated Jul 14, 2017 at 2:40 pm MDT AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to RedditRedditShare to 電子郵件Email Tembec’s largest shareholder opposes takeover by Rayonier Advanced Materials read more

TimorLeste UN expert warns dismissal of judicial officials may have chilling effect

“I am troubled that the decision may have been taken in retaliation for court judgments which displeased members of the Government and the Parliament,” Ms. Knaul said, adding that she had already raised the issue with the authorities and urged them to reconsider their decision. In two separate resolutions dated 24 October, the Timor-Leste Parliament and Government called for an audit of the courts and the immediate contract termination of all international judicial personnel and advisers working in the justice sector.In another resolution dated 31 October, the Government singled out eight international staff – five judges, two prosecutors and one adviser – and ordered them to leave the country within 48 hours. “The resolutions represent a serious interference in the independence of the judiciary,” Ms. Knaul said, stressing that the immediate dismissal of international judicial personnel could undermine the proper administration of justice in Timor-Leste, including access to justice and due process guarantees. “It may also have a chilling effect on national members of the judiciary, affecting their independence,” she warned.Ms. Knaul also cautioned that this situation may further result in the suspension of trials in cases of crimes against humanity and other serious crimes committed in 1999, as the law requires that the panels set up to consider these crimes comprise of two international judges. Admittedly, Timor-Leste has made great progress in building its judicial institutions over the past decade, she said, highlighting the essential role played by international judicial personnel in the national capacity-building process. While the reduction of the number of international judges, prosecutors and other legal professionals is a legitimate path to follow, it should be a process implemented in full conformity with international human rights law and standards, as well as national laws and procedures.“I urge both Parliament and Government to reconsider their decisions and initiate a dialogue with the relevant partners, including the UN, to address this serious situation and map an appropriate way forward in compliance with Timor-Leste’s international human rights obligations,” she added. Independent experts or special rapporteurs are appointed by the Geneva-based Council to examine and report back on a country situation or a specific human rights theme. The positions are honorary and the experts are not UN staff, nor are they paid for their work. read more

Celebrating first International Day UN says Yoga can boost public health and

The inaugural Day has been be marked this morning with an outdoor event at UN Headquarters in New York that was webcast to thousands in New York’s Times Square. UN Secretary-General Ban Ki-moon, who has praised yoga for promoting respect for one’s fellow human beings and for the planet we share, spoke this morning at the event, which also featured a yoga demonstration. “I am hoping that if yoga promotes physical dexterity, it can also promote diplomatic dexterity. In my job as Secretary-General of the United Nations, I have to be agile all of the time!” he said in front of the crowd. Quoting Prime Minister of India, Narendra Modi, he stressed that “yoga is not just about exercise; it is a way to discover the sense of oneness, with yourself, the world and nature”. Also attending the UN event was the President of the 69th session of the General Assembly, Sam Kutesa. In a message issued in advance of the International Day, Mr. Ban recalled how he had had the opportunity to practice yoga during a visit to India this year. Produced by UN Radio. Photos by Stephanie Coutrix, Mark Garten and Victorine Sandkuyl. Credit: UNTV His first ‘asana’, or pose, he said was the tree pose, “suited to beginners.” “It took a moment for me to gain my balance but once I did, I appreciated the simple sense of satisfaction that yoga can bring,” the Secretary-General said. “Yoga offers a simple, accessible and inclusive means to promote physical and spiritual health and well-being,” he said. “It promotes respect for one’s fellow human beings and for the planet we share. And yoga does not discriminate; to varying degrees, all people can practice, regardless of their relative strength, age or ability.” “On this first-ever International Day of Yoga, let us see the benefits of this practice in terms of individual well-being as well as our collective efforts to improve public health, promote peaceful relations and usher in a life of dignity for all,” the UN chief said. The annual day was established in 2014 by the UN General Assembly, which recognized “that yoga provides a holistic approach to health and well-being.” The draft resolution establishing the day world was proposed by India and endorsed by a record 175 member states. The proposal was first introduced by Prime Minister Modi in his address during the opening of the 69th session of the General Assembly. The resolution notes “the importance of individuals and populations making healthier choices and following lifestyle patterns that foster good health.” On the eve of the International Day of Yoga, the Secretary-General met with the Minister for External Affairs of India, Ms. Sushma Swaraj. They both noted the broad support and appeal for this particular event. The UN Chief and the Minister discussed the challenges of climate change and sustainable development, and the need for India’s strong leadership in these fields. They also talked about the newly released Report of the High-Level Panel on Peace Operations, with the Secretary-General noting India’s generous contributions in this area. Mr. Ban and Ms. Swaraj then exchanged views on a number of regional issues, including Nepal, Bangladesh, the Maldives and Pakistan. And today, the Secretary-General met with Yang Jiechi, State Councilor of the People’s Republic of China. Their discussion touches a number of key issues, such as the Sustainable Development Goals, climate change, and the financing for development agenda. Mr. Ban commended China’s “constructive role” around the reducing tension in the Korean Peninsula and encouraged the country to support United Nations humanitarian work in the Democratic People’s Republic of Korea (DPRK). Mr. Jiechi and Ban also exchanged views on the critical situation in Yemen and Syria, as well as on the Iran nuclear issue and on the need to counter violent extremism. read more

Despite gains 24 billion people worldwide still lack basic sanitation – UN

According to the Joint Monitoring Programme report, Progress on Sanitation and Drinking Water: 2015 Update and MDG Assessment, released today by the UN Children’s Fund (UNICEF) and the World Health Organization (WHO), one in every three, or 2.4 billion people on the planet, are still without sanitation facilities – including 946 million people who defecate in the open. “Until everyone has access to adequate sanitation facilities, the quality of water supplies will be undermined and too many people will continue to die from waterborne and water-related diseases,” Dr. Maria Neira, Director of the WHO Department of Public Health, Environmental and Social Determinants of Health said in a joint press release. Access to adequate water, sanitation and hygiene is critical in the prevention and care of 16 of the 17 ‘neglected tropical diseases’ (NTDs), including trachoma, soil-transmitted helminths (intestinal worms) and schistosomiasis. NTDs affect more than 1.5 billion people in 149 countries, causing blindness, disfigurement, permanent disability and death. And the practice of open defecation is linked to a higher risk of stunting – or chronic malnutrition – which affects 161 million children worldwide, leaving them with irreversible physical and cognitive damage, according to WHO. Plans for the proposed new sustainable development goals (SDGs) to be set by the UN General Assembly in September 2015 include a target to eliminate open defecation by 2030. This would require a doubling of current rates of reduction, especially in South Asia and sub-Saharan Africa, WHO and UNICEF say. Sanjay Wijesekera, head of UNICEF’s global water, sanitation and hygiene programmes, said what the data really show is the need to focus on inequalities as the only way to achieve sustainable progress.” In other words, “the global model so far has been that the wealthiest move ahead first, and only when they have access do the poorest start catching up. If we are to reach universal access to sanitation by 2030, we need to ensure the poorest start making progress right away,” Mr. Wijesekera said. Access to improved drinking water sources has been a major achievement for countries and the international community. With some 2.6 billion people having gained access since 1990, 91 per cent of the global population now have improved drinking water – and the number is still growing. In sub-Saharan Africa, for example, 427 million people have gained access – an average of 47,000 people per day every day for 25 years, according the a press release on the report. On the other hand, the progress on sanitation has been hampered by inadequate investments in behaviour change campaigns, lack of affordable products for the poor and social norms which accept or even encourage open defecation. Although some 2.1 billion people have gained access to improved sanitation since 1990, the world has missed the MDG target by nearly 700 million people. Today, only 68 per cent of the world’s population uses an improved sanitation facility – 9 percentage points below the MDG target of 77 per cent. WHO and UNICEF say it is vitally important to learn from the uneven progress of the 1990-2015 period to ensure that the new development agenda closes the inequality gaps and achieves universal access to water and sanitation. read more

European Clean Transport Facility offers financial support

For more information on this facility and others offered by the European Investment Bank, you are invited to attend the SMMT business support seminar to be held at Forbes House on 28 January 2009. Learn more here. Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window) The European Clean Transport Facility (ECTF) is to provide €4 billion in 2009-10 and €4 billion in 2011-12 to support investments targeting research development and innovation, particularly aimed at reducing emissions and increasing energy efficiency. Under the ECTF, the European Investment Bank can finance up to 75% of eligible RDI expenditures and 50% of other project costs. European Clean Transport Facility offers financial support Key facts include: The programme provides a wide spectrum of debt financing solutions. In light of the economic downturn, SMMT is organising a seminar outlining the variety of financial support schemes aimed at helping manufacturers in the motor industry.  The options include European, national, and regional programmes.  In preparation for the seminar, over the next three weeks SMMT will highlight an item from each group.  The facility is likely to finance larger scale projects in the region of €50 million or greater. Companies of any size and ownership are eligible. The resource specifically covers all areas of the value chain in the transport sector including Tier 1 and Tier 2 supplier firms. Companies will be able to submit project applications immediately, with applications processed and funds released within three to four months. Terms of loans could be up to ten years for R&D investment, and longer for factory investments. read more

Davidson beats crosscounty rival Charlotte 7656

DAVIDSON, N.C. — Kellan Grady made five 3-pointers and scored 25 points, Jon Axel Gudmundsson had 20 points, 10 rebounds and four assists and Davidson beat cross-county rival Charlotte 76-56 on Tuesday night in the 45th meeting.Davidson has won the last six games in the series, with the 49ers winning 12 of the last 21. The road team has only won four times since the 2004-05 season.Freshman Luka Brajkovic chipped in with 12 points for Davidson (6-1). Preseason all-conference selections, Gudmundsson and Grady, were a combined 16 of 26 from the floor, helping Davidson shoot 52 per cent.Gudmundsson completed a 3-point play with 3:10 left in the first half for a 35-25 lead but the Wildcats didn’t score again the rest of the half.Jon Davis scored 16 points for Charlotte (2-3), and Milos Supica had 14 points and seven rebounds. The 49ers shot 37 per cent from the field.The Associated Press read more

Poll Whats the best thing you can make from bread

first_imgPoll: What’s the best thing you can make from bread? It’s the beast of the yeast. By Paul Hosford Toast (2976) Sandwiches (3257) Thursday 1 Mar 2018, 10:27 AM Image: Rolling News I don’t eat bread (505) French toast (1251) THE SUBJECT OF bread has obsessed the country in recent days.Stocking up, hoarding it, making memes about it – bread has been the star of the Storm Emma Show.But it got us thinking – how do you enjoy your bread?We’re asking: What’s the best thing you can make from bread? Mar 1st 2018, 10:27 AM Other (242) Share26 Tweet Email1 center_img Poll Results: 35,624 Views Image: Rolling News  Bread and butter pudding (1287) http://jrnl.ie/3878562 Stuffing (409) 76 Comments SandwichesToastFrench toastStuffing Bread and butter puddingOtherI don’t eat breadVote Short URL Tweet thisShare on FacebookEmail this articlelast_img read more

Early Life Was Much More Resilient Than We Thought

first_imgStay on target With the climate changing, it’s likely (and observable even now) that a large chunk of the planet’s biodiversity will be gone because of the inability to adapt. That’s tragic, but fairly common in the evolutionary past. When major changes hit — like when some very stubborn apes start in with heavy industry and growth economics — the life that can’t adapt dies.But new research shows that early organisms could survive — and even thrive — with radical changes to the environment.Scientists started by looking at the gap between the very first life forms of any sort, and the last universal common ancestor (LUCA) all currently living organisms can trace their ancestors back to. These events are separated by many hundreds of millions of years, and in that interim, Earth changed A LOT. And that means our earliest ancestors had to keep up — or we wouldn’t be around to ponder the question.“Encountering such environmental variability early on may be necessary to build up the level of complexity needed for LUCA to have the evolutionary potential to continue to diversify and colonize nearly every habitat on Earth over four billion years,” evolutionary biologist at MIT, Greg Fournier, told Astrobiology Magazine.The current best hypotheses for how life formed are centered on RNA. While we know of DNA as the central and all-critical molecule for life, early organisms likely used RNA. It’s more reactive and can both code for traits, and transcribe genetic information, helping proteins get made. RNA is a bit simpler, and easier for simple organisms to use. More complex life, like most organisms that exist today often rely on a system that uses DNA to store genetic material and RNA to retrieve and use it. RNA is also much more susceptible to changes from UV radiation.(via qimono/Pixabay)That’s key to the study, because scientists have suspected that life could have got its first start just under the surface of an Early Earth — pelted by intense UV from a young, violent star. At the same time, this life was also likely able to move into high-radiation environments that could trigger chemical reactions needed for the building blocks of more advanced life.Moreover, while the sun may have been a little bit rowdy with the UV, it kicked out much less heat 4.4 billion years ago. This could have led to many masses of oceanic ice that could have helped amino acids and RNA — two critical components for life — to form. This would have also likely concentrated these organic compounds in the pools and the slush of the early planet.LUCA, however, likely lived in much more temperate climates. Because all life on Earth has genes, we can figure out what traits LUCA had by looking at what all life on Earth has in common. The DNA that makes up the 600-ish genes we suspect LUCA code from proteins that are most stable in more mild climates.“Building on the work of many others, we suggest that life dispersed into and adapted to new environments very early in its history,” study co-author and geobiologist Marjorie Cantine. “Perhaps a rapid establishment of complex environmental and ecological relationships was even necessary for early life to persist.” Watch: Dolphin Leaps Feet Away From Unsuspecting SurferNASA Says 2 Asteroids Will Safely Fly By Earth This Weekend center_img Let us know what you like about Geek by taking our survey.last_img read more

Ibrahimovic – AC Milan betrayed me

first_imgIn his autobiography, Zlatan Ibrahimovic admitted to feeling betrayed by Milan when they sold him to PSG for €20 million in 2012.According to reports, Ibrahimovic is going back to San Siro, where he never wanted to leave.The 37-year-old Swede revealed details in his new book titled ‘I am football’. He gave an insight regarding his experience with former Milan CEO Adriano Galliani.In excerpts from the book were published by La Gazzetta Dello Sport, Ibrahimovic wrote: “Galliani told me: ‘Ibra, you have nothing to be worried about, we won’t sell you.’“A few weeks later, I was in my holiday home in Vaxholm. I had just returned from water skiing and saw there were five missed calls on my phone from Mino Raiola.PSG, Neymar, Ligue 1PSG ultras sent a warning letter to Neymar Manuel R. Medina – September 14, 2019 Brazilian superstar Neymar might play today his first game of the season for Paris Saint-Germain and the team’s ultras have warned him.“I’d made him swear not to call me during my vacation, so I knew something was going on. ‘We have to talk,’ he told me. ‘Leonardo will call you.’“I wondered who this Leonardo was, then put it together. Leonardo… the director of sport at PSG. ‘Listen, I don’t want to talk to him. There’s nothing to talk about, seeing as Galliani promised I wasn’t for sale.’“Raiola replied: ‘Well, see, in reality, they’ve already sold you…’ ”last_img read more

Sridevis daughter Janhvi Kapoor looked like million bucks but got trolled for

first_imgJanhvi Kapoor trolled for book launch event picturesInstagramSridevi’s daughter Janhvi Kapoor recently attended a book launch event in Delhi, where the actress looked absolutely stunning in a traditional avatar. However, she made a blunder there that led to her trolling on social media.Janhvi looked like million bucks in a white saree at the book launch of “Calling Sehmat”. While her fans cannot stop praising her beauty, there are others who noticed something wrong in the pictures shared on social media.One celebrity photographer posted her pictures from the event, where Janhvi is seen holding the book upside down. As soon as people on Instagram noticed it, they started mocking Sridevi’s daughter for the mistake.Although she later corrected the mistake, the damage was already done as scores of comments trolling the star kid poured in. well, social media is truly a cruel place. On the work front, Janhvi has a couple of promising upcoming movies. After her successful debut in Dhadak, the young actress will next be seen in Gunjan Saxena’s biopic, shooting of which is already done.She also has a mega budget multi-starrer Karan Johar film titled Takht. She will be working with Ranveer Singh, Kareena Kapoor Khan, Vicky Kaushal, Anil Kapoor, Alia Bhatt, and Bhumi Pednekar.last_img read more

Vegan is nonviolence

first_imgAhimsa means not to hurt someone, working on the same a group of artists put up an exhibition recently in the Capital. Ahimsa’s multidimensional concept is inspired by the premise that all living beings have the spark of the divine spiritual energy, to hurt another being is to hurt oneself.Through the language of brush on canvas all the artists tried to show their concern to promote greenery and vegetarianism at Gallery Sree Art. The works of artist represent non-violence towards animals and respecting the ecological balance ‘By embracing your inner herbivore you can bring positive changes in your lifestyle, the green meals bring peace and calm and a man can live and be healthy without killing animals for food,’ said the artist. Also Read – ‘Playing Jojo was emotionally exhausting’Works of artist Jyotika Chhabra were refreshing and full of enthusiasm. Her use of  bold colours and heavy textures on canvas have brought the shades of nature together for the art lovers in the city. She made an attempt to project the supernova created in the state of reverie.Artists whose works were on display were Kanchan Chander,  Ritu Kapoor Kamath, Balbir Krishan, Alka Raghuvanshi, Nupur Sakhuja Kundu, Jyotika Chhabra,  Babu Xavier, Azis TM, Birendra Pani,  Sangeeta Gupta, Shijo Jacob,  Kiishore Chakravortee,  Sunayana Malhotra and more.last_img read more

Online Debit Credit Fraud Will Soon Get Much Worse Heres Why

first_img I’m not much of a Nostradamus, but one thing I can predict with near certainty is that this time next year we are likely to find ourselves witnessing an all-time high in the rate of online credit and debit card fraud. Ironically, that surge in online theft will be the result of efforts to make the offline use of credit and debit cards more secure.By Oct. 1 of next year, retail establishments are supposed to be able to accept new credit and debit cards that have a chip embedded and require the use of a PIN when making purchases at the checkout counter. The point is to make the cards smarter so that financial institutions can better detect fraudulent usage. Requiring a PIN clearly adds a layer of identification and protection that can deter such fraud.How do we know that this effort to increase security at the point of sale is going to actually drive online fraud? We already saw it happen in Europe.Related: Preventing Another Target AttackIn 2002, European financial institutions starting rolling out these very same cards and point-of-sale terminals. We call this technology EMV (Europay, MasterCard and Visa). Financial institutions intend to make EMV a global standard for authenticating credit and debit card transactions using integrated chip technology.This technology has now been partially or fully deployed in about 14 countries and regions, including most Asian Pacific nations, all of Europe, most of Latin America and the Caribbean. Every country and region in which EMV has been deployed has seen a corresponding surge in online fraud.Four years after beginning the deployment of cards and new point-of-sale terminals, about 99 percent of businesses and consumers were utilizing EMV. No doubt the cards were effective at cutting offline abuse. Before EMV, Europe saw fraud losses in stores of about 13 basis points of net sales. After EMV, the offline fraud rate plummeted to just 3.5 basis points, according to Douglas King in the study, “Chip-and-Pin: Success and Challenges in Reducing Fraud.”However, the online world was a fraud nightmare. Online credit and debit card fraud rates more than doubled from the pre-EMV days. In 2004, Europe had an online credit and debit card fraud rate of 25 percent. By 2010, the rate had soared to 64 percent. Further, the European Central Bank’s February 2014 report on card fraud found that card-not-present (CNP) payments, i.e. payments via the internet, post or phone, were the source of 60 percent of total fraud incidents across Europe in 2012. With about $1.1 billion in fraud losses in 2012, CNP fraud showed the highest growth rate, up 21.2 percent from 2011, and analysts project this growth rate will continue to increase in 2013 and 2014.Related: Better Late Than Never? Target Accelerating Program to Detect Credit-Card Fraud.Making credit and debit cards smarter made the crooks smarter. They stopped using cards with EMV technology in brick-and-mortar stores. Even the thieves knew that using one of the new EMV cards in a store was quickly going to get the card shut down.So they doubled their efforts at stealing online, where the chips in cards did no good when all that was required were card numbers. Additionally, the bad guys shifted more of their nefarious online activity to foreign countries where it’s even harder to tell a legitimate card user from a thief.When EMV technology was established, the crooks also started targeting debit cards over credit. Most debit cards use the magnetic stripe and therefore behave like credit cards without the chip and pin, making it easier for fraudsters to exploit both offline using the swipe and online using the debit card number.Some will probably ask why online retailers don’t just require a PIN for all purchases as in-store clerks do with EMV. We may see more of that kind of adoption here in the U.S. than we’ve seen in other countries that saw this surge in online fraud, even as offline fraud declined. However, putting any barrier to check out in the ecommerce world means a lot of full shopping carts that never make it to purchase.We’re all just going to have to be a lot more vigilant about how and when our cards are used. My financial institution now emails me every time one of my cards is charged. I can even set limits so I only get notified for charges more than $25.But something tells me I’m going to be sitting in my living room in California when I get an email notifying me I just bought a couch in Russia. Let’s just hope I’m no Nostradamus.Related: Disturbing Crime Trends Facing Retailers (Infographic) Free Webinar | Sept. 9: The Entrepreneur’s Playbook for Going Global 4 min read Growing a business sometimes requires thinking outside the box. Register Now » Opinions expressed by Entrepreneur contributors are their own. April 18, 2014last_img read more

From castles to cottages 8 perfect holiday ideas for a prince or

first_imgGAYSTARNEWS- The majestic Skene House in Aberdeen | Photos: Courtesy of cottages.com 7 perfect pads for Isle of Wight PrideHoliday hotlist – 9 amazing summer escapes around EuropeHoliday off the rails: 7 railway-themed retreatsRead the full article on Gaystarnews:  :https://www.gaystarnews.com/article/castles-cottages-8-perfect-holiday-ideas-prince-princess/ eTN Chatroom for Readers (join us) Alongside amazing accommodation for up to 19 guests, there’s a tennis court, games room and beautiful extensive gardens.Even Rapunzel’s locks might struggle to reach the base of the legendary Lendal Tower in York.Up to six holidaymakers can enjoy once in a lifetime luxury accommodation and amazing views from the roof terrace – perfect for keeping an eye out for your beloved.Woodlands Cottage may not be ancient, but the fairytale holidays it offers really are timeless.Lovely interiors, a relaxing garden and beautiful surrounding woodland create an enchanting spell of relaxation for two guests and two pets.Fairytales prove that good things come in small packages, so it is with Deer Park in Yorkshire, a lovely miniature castle.Despite its modest size, it still sleeps 10 and three pets – enough room for Snow White, her prince, all seven dwarves and a wicked stepmother.center_img Share this:TwitterFacebookLike this:Like Loading… Enjoy a ‘tale as old as time’ at a French chateau so beautiful, it’s enough to make Beauty and the Beast blush. More bright and beautiful than a Disney animation, this stunning French chateau offers a holiday for the ages.Superb accommodation is surrounded by nearly three hectares of walled gardens with statues and a mosaic tiled swimming pool.A stunning fairytale property with a side-order of whimsy! There are few better places to play princess than this incredible 14th Century castle.This conversion in Scotland even has a hot-tub. Beat that, Cinderella!This particular region boasts more castles per acre than anywhere else in the UK. It’s basically a real-life Disneyworld.But we doubt even Sleeping Beauty slept as well as guests lucky enough to experience this cute and cozy cottage annexe.This converted wing of a Grade II listed mansion offers fairytale wonder and modern comfort for up to six happy holidaymakers.There’s even a large clock tower in the courtyard, so there’s no excuse to miss the strike of midnight!Words: Ben Webster, cottages.comClick here for more information about cottages.com and for more cool properties.cottages.com is a client of Gay Star NewsGot a news tip? Want to share your story? Email us .last_img read more

Colton Haynes and husband reportedly split after six months of marriage

first_imgGAYSTARNEWS- Haynes said he was ‘dumbstruck’ when he finally met Leatham.In March 2017, Leatham first proposed to Haynes, complete with the help of Cher. A few months later, the couple got ‘double engaged’ when Haynes popped the question himself.While together, they enjoyed fabulous vacations, such as going to the Turks and Caicos Islands.This is not the first loss Haynes has endured this year. In March, his mother passed away after a battle with organ failure. Leatham also posted a tribute to her at the time.Got a news tip? Want to share your story? Email us . According to TMZ, Colton Haynes and his husband, Jeff Leatham, have split after six months of marriage. Share this:TwitterFacebookLike this:Like Loading… It’s not clear why the actor and florist split, but multiple sources confirmed the news to TMZ. Plus, Haynes has erased any and all references to Leatham on his Instagram account. Leatham still has photos of Haynes on his account.The pair married in October 2017, where Kris Jenner officiated.The likes of Sofia Vergara, Jesse Tyler Ferguson, Real Housewives star Lisa Rinna, American Horror Story stars Billie Lourd and Cheyenne Jackson, and even Chelsea Clinton attended the ceremony.‘Literal love at first meeting’The pair first met at an airport lounge, after mututally deciding not to go on a date their friends set up.center_img eTN Chatroom for Readers (join us) Leatham posted a loving tribute to their marriage in January | Photo: Instagram @jeffleatham Colton Haynes officially files for divorce from Jeff LeathamColton Haynes says husband did not cheat on him, calls him ‘amazing’Jeff Leatham responds to Colton Haynes filing for divorceRead the full article on Gaystarnews:  :https://www.gaystarnews.com/article/colton-haynes-husband-split/last_img read more

No Chavez running mate in Venezuela despite cancer

first_imgAssociated PressCARACAS, Venezuela (AP) – When he takes the stage at campaign rallies, Hugo Chavez stands alone.Under Venezuela’s election system, presidential hopefuls don’t choose running mates, and that raises few eyebrows in normal years.But this has not been a normal year. President Chavez has been fighting a mysterious cancer, and the lack of a prospective No. 2 has left voters wondering who in fact would take over were Chavez to win next month’s elections but be forced to leave office prematurely. Top Stories Some say identifying a vice president now could cause divisions within Chavez’s movement by favoring one faction over another.And because none of Chavez’s possible vice presidential candidates have anywhere near his popularity, choosing one might alienate some sectors within his movement or prove less appealing to voters still on the fence.“He is aware that if he appoints the VP (ahead of the vote), that would trigger divisions and increase uncertainties,” said Diego Moya-Ocampos, an analyst with the consulting firm IHS Global Insight in London.Capriles has not named a likely vice president either, though the issue is less pressing because there are no questions about the 40-year-old’s health.“Capriles, like Chavez wants to make this a contest between the two figures,” said Miguel Tinker Salas, a Latin American studies professor at Pomona College in Claremont, California. For both candidates, he said, to name a vice president now “would detract from this strategy.”Under Chavez, the vice presidency has been an office of limited authority. In fact, the country’s constitution doesn’t even specify how soon a president must name a vice president after winning office. Chavez has delegated little to his vice presidents over the years, instead using his deputy as one in a team of aides who largely carry out his instructions. Even when he was forced to scale back his work due to taxing cancer treatments in Cuba, Chavez delegated only minimal administrative duties to current Vice President Elias Jaua, whom he appointed in 2010, the seventh man to hold that post during the socialist leader’s 13 years in office.Venezuela’s Constitution says that if a president-elect dies before taking office, new elections would be called. If a president dies during the first four years of the term, the vice president would temporarily take over, but a new election would be held. If a president dies during the last two years of the six-year term, the vice president would finish the term and the next election would be held as planned.In most South American countries vice presidents are elected at the same time as the top of the ticket. In Chile, however, presidential candidates run for office alone, but once in office name an interior minister who serves as vice president when necessary.As for which ally Chavez might pick as his deputy if re-elected, speculation in recent months has ranged widely across figures such as Foreign Minister Nicolas Maduro and National Assembly President Diosdado Cabello. Patients with chronic pain give advice Bottoms up! Enjoy a cold one for International Beer Day Arizona families, Arizona farms: A legacy of tradition embracing animal care and comfort through modern technology Nearly alone among South American nations, Venezuelan law leaves designation of a vice president until after the new leader is sworn in. It did not even have a vice president until 1999, when the office was created in a new constitution promoted by Chavez.Campaigning against youthful challenger Henrique Capriles, Chavez seldom mentions his health problems, which over the past 15 months have required frequent trips to Cuba for three surgeries, chemotherapy and radiation treatments. When asked about his health last week, Chavez said his last checkup in June showed he was cancer-free and “everything will be fine.”Still, even some loyal Chavez supporters who plan to vote for him on Oct. 7 acknowledge feeling uneasy about the uncertainty.“Who would take his place? Nobody knows, and that’s makes me worry,” said Maria Lovera, a street vendor selling household cleaning supplies on a street corner.“I love Chavez and I want him to remain in power for many more years, but I must confess that some people like me have suspicions that he hasn’t told us the whole truth about his cancer,” Lovera said. “The possibility of him getting sick again and having to step down exists.” Mary Coyle ice cream to reopen in central Phoenix Construction begins on Chandler hospital expansion project Former Arizona Rep. Don Shooter shows health improvement Throughout his presidency, Chavez’s closest confidants have been characterized by their lack of an independent following, a relative lack of charisma and military-like allegiance to their leader, a former army paratroop commander.Moya-Ocampos said the vice-presidential mystery is by design. By saving any talk of his choice for later, he said, Chavez aims to send a simple message, “that there is no clear successor.”(Copyright 2012 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.) Comments   Share   Arizona families, Arizona farms: providing the local community with responsibly produced dairy Sponsored Stories last_img read more

Carrington Awarded Place in Ellie Maes Hall of Fame for Technology

first_img Share Agents & Brokers Attorneys & Title Companies Company News Ellie Mae Investors Lenders & Servicers Processing Service Providers 2012-10-22 Esther Cho The mortgage lending division of “”Carrington Mortgage Services, LLC””:http://www.carringtonhomeloans.com/ (Carrington) was inducted into the “”Ellie Mae””:http://www.elliemae.com Hall of Fame for mortgage technology. [IMAGE]Carrington was specifically recognized for the “”Best Adoption of Automation”” at Ellie Mae’s Encompass EXPERIENCE 2012 National User Summit in Las Vegas due to the company’s customization of Ellie Mae’s “”DataTrac””:http://www.elliemae.com/solutions/datatrac/ mortgage management software. Carrington’s modification of Ellie Mae’s software led to a paperless system and to the inclusion of numerous business rules to originate compliant loans. By factoring in Carrington’s rules, checks and processes, the company maintained its focus on producing compliant, non-defaulting loans. The customization led to improved turnaround times on retail and wholesale loans and minimized instances of default and fraud among loans sold to investors. “”It is an honor to be recognized by Ellie Mae for our successful customization of their technology and for our drive to continuously improve upon the way we do business,”” said Carrington’s executive VP Ray Brousseau. “”With technology playing such an integral role in how the lending industry operates, and because these tools are evolving at such a rapid pace, we are already working on further robust technological enhancements to be unveiled in 2013.””Founded in 2007, Carrington Mortgage Services is based in Santa Ana, California and is licensed to originate loans in 41 states and the District of Columbia. Carrington Awarded Place in Ellie Mae’s Hall of Fame for Technologycenter_img in Data, Government, Origination, Secondary Market, Servicing, Technology October 22, 2012 438 Views last_img read more